Jenna Lee Heimbaugh

Alexander Fratti is a CFA charterholder and principal of Fratti Investment Management in State College, PA, with four years of industry experience. His prior roles include positions at RKL, Boyer & Ritter, Alvarez & Marsal, VRC, and Wells Fargo. Outside of investment advisory, he manages a management consulting business serving private companies. Fratti Investment Management provides discretionary investment supervisory services to individuals, high-net-worth clients, trusts, charitable organizations, banks, and small businesses. The firm employs a bottom-up, fundamentals-driven investment process focused on U.S. exchange-listed equities, emphasizing a contrarian, concentrated core strategy primarily targeting small- and micro-cap securities.

Nyi Htoon is a CFA® charterholder and the sole advisor at Step Forward Financial in Lewistown, PA, with one year of experience at the firm and a decade of prior experience at Prudential Financial. He manages a family partnership that oversees investments for his and his siblings' families without compensation. Step Forward Financial provides financial planning and investment consultation services focused on advice rather than discretionary management, serving individuals and families with recommendations centered on low-cost index funds and ETFs. The firm’s approach involves a holistic assessment of clients’ financial situations and offers an hourly fee structure without asset-based or performance fees.

Mary Chuhinka Kurtz is a financial advisor with TLC Group Investment Advisors, LLC in State College, PA, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. She has worked at Leigh Baldwin & Co., LLC and TLC Group Investment Advisors since 2006. Outside of advising, she is the sole owner of Leeward Wealth Inc., a fixed insurance and annuities business. TLC Group Investment Advisors provides investment management and consulting services to individuals, pension plans, trusts, charitable organizations, and businesses. The firm uses a combination of fundamental and technical analysis along with due diligence of third-party managers to manage client portfolios across various asset classes.

Kristen Coombs is a CFP® with 22 years of industry experience, currently serving as a financial advisor at Invested Advisors. She previously worked at H. Beck, Inc. for seven years before founding Kristen Coombs Financial Advisors. Outside of her advisory role, she oversees an investment trust account as a trustee and is involved in insurance sales, including non-variable insurance and fixed annuities. Invested Advisors provides financial planning, investment management, and retirement-plan consulting to individuals, high-net-worth clients, and businesses. The firm emphasizes goal-driven portfolio construction tailored to each client’s objectives and time horizon, often utilizing independent third-party managers and specialist strategies.

Blair Hefkin is a CFP® and holds a Series 65 license with five years of industry experience. Blair is affiliated with Invested Advisors and has previously worked at Kristen Coombs Financial Advisors, H. Beck, Inc., and Home Advisor. Invested Advisors provides financial planning, investment management, and retirement plan consulting services to individuals, high-net-worth clients, and businesses. The firm focuses on goal-based financial life plans, incorporating tax considerations and utilizing sub-advisers or third-party managers for specialized strategies.

Judy Loy is a ChFC® credentialed financial advisor with Nestlerode & Loy, Inc. in State College, PA, bringing 33 years of industry experience. She has been with Nestlerode & Co., Inc. since 1992. Outside of her advisory role, Loy serves as a director for the University Park Plaza Corporation and is a board member of the Mutual Benefit Group Insurance P & C Board of Directors; she also chairs the Centre County Hospital Authority. Nestlerode & Loy provides discretionary portfolio management and financial planning services to individual and institutional clients, managing approximately $200 million in assets. The firm employs a “Pay Attention” approach that integrates daily price monitoring, technical analysis, and fundamental research, while customizing accounts to client constraints and offering ESG investment options.